Research On Credit Risk Control Of M Bank

Credit business is the main profit source of commercial banks.As a complex financial enterprise,the development of credit business of commercial banks,on the one hand,helps to promote the development of other financial businesses of commercial banks;on the other hand,it widens the profit channels of commercial banks and helps to achieve the profit objectives of commercial banks.However,credit business is a "double-edged sword",which can not only bring benefits to commercial banks,but also increase the risks they are facing.Whether and how to effectively control and Manage credit risks has become a problem that needs to be seriously considered in the development of credit business and normal development of commercial banks.In this paper,M bank as the research and analysis object,focusing on M bank credit risk control.M bank credit business is mainly divided into corporate credit business and personal credit business.Personal credit business can be divided into housing loan,business loan,comprehensive consumer loan,online fast loan,personal entrusted loan and insurance channel loan.Personal loan products are relatively rich,which can basically meet the diversified credit needs of consumers;corporate credit Business mainly refers to the loans issued to meet the business operation needs of enterprises.Credit business has become the most important asset business of M bank.M bank recovers the principal and gains the interest income by issuing loans to customers.After deducting the operating cost,it is the bank's profit.However,from the specific situation of M bank credit business development,influenced by many factors such as subjective and objective factors,the potential threat of various risks such as operational risk,credit risk and market risk faced by credit business is relatively large,especially in the aspects of credit audit and later tracking management,which can be called the short board of M bank credit business.Although M bank has established a modern corporate governance mechanism with "three meetings and one level" as the core,and has taken a series of effective measures in business innovation,risk management,etc.,all business operations have been developing in a sustainable and good direction as a whole,and the non-performing loan ratio has fluctuated in a controllable range as a whole,there are still credit risk control aspects,there are many problems.In this paper,in view of the general risk problems faced by commercial banks in the development of credit business in China,taking the theory of information asymmetry,the theory of comprehensive risk management,the theory of asset management and so on as the theoretical basis,taking M bank as the research object,this paper discusses the credit risk control of M bank comprehensively and systematically.This paper mainly focuses on the following three aspects: first,it summarizes the research background,significance,domestic and foreign research status and related theories of commercial bank credit business risk control;second,it focuses on the relevant theories as guidance,and reveals the M bank credit style based on the analysis of M bank's development process,main business and the main credit business risks faced in the aspect of risk control,there are some problems,such as nonstandard control process,inadequate risk assessment,limited form of credit review,single risk management tools and Means,imperfect organization and management organization,etc.,and the deep-seated causes of M bank's credit risk control are analyzed from the aspects of consciousness,mechanism and responsibility.Finally,the Main problems in M bank's risk control are analyzed the problems include the implementation of credit risk process control,the establishment of scientific credit business risk assessment mechanism,the strengthening of credit business credit review management,the scientific selection and application of credit risk control tools and means,the improvement of credit business risk management organization,the enhancement of credit risk control awareness,the establishment of perfect credit management mechanism,the improvement of credit risk early warning and processing mechanism,and the health In order to improve the level and efficiency of credit risk control of commercial banks,this paper puts forward specific countermeasures in the aspects of internal responsibility pursuit mechanism of the whole bank,and puts forward system guarantee,organization guarantee,culture guarantee and human resource guarantee suitable for the implementation of M bank's credit risk control optimization scheme.